Morgan Fertility is the only fertility clinic in the nation that offers in-house financing with payment plans of up to two years. Financing is available for most treatments, includingIVF, Donor Egg IVF, Egg Freezing and more.
The terms of the payment plans are fairly straight forward:
Treatments can be financed for 6 months.
There is a administrative fee that must be paid in addition to the cost of treatment. There is no other interest or finance fee.
Requires 50% payment before beginning treatment (but may put as much down as they would like and finance the rest).
100% approval rating and no credit check
Good rates and straight forward fees
An excellent option for those with moderate to poor credit.
Predictable monthly payments
Treatment prices at Morgan Fertility are 1/3 the cost of the national average.
Only available if treatment is at Morgan Fertility.
Not available for “add on” services like medications and genetic testing paid to third parties like the pharmacies and genetics lab. Could apply for additional financing to cover these (usually directly at the pharmacy or genetics lab or with other lending options mentioned in this article).
How do I know what my insurance covers?
We do all the footwork for you. When you call to make your first appointment, we will ask for your insurance policy details so that we can contact special provider representatives at your insurance company who will discuss the details of your particular policy with us. Before you even come in for your first visit you will receive a courtesy phone call from us to review what your coverage is and what your charges might be. If at any time you struggle to afford treatment, our Financial Coordinator will review a payment plan option. We know that you might not become pregnant after just one treatment cycle. So, we do everything we can to help you afford as many treatment cycles as it takes. And, if you get pregnant right away, all the better!
What if I had my tubes tied?
Most insurance policies specify that only couples who have not opted to undergo sterilization procedures are eligible for infertility treatments. That's why we've created special discount pricing for out of pocket patients.
Once you've met with Dr Morgan or Dr Olcha for an initial evaluation, you will then be given a free financial counseling meeting to determine which discounts you are eligible for.
What if my partner had a vasectomy?
Most insurance policies specify that couples who have electively opted to undergo sterilization are not eligible for infertility treatments. If a vasectomy was necessary due to medical reasons, you may still be covered. Our financial counselors will help you find out your options once you've seen Dr Morgan or Dr Olcha for the initial visit.
What if I’ve already maxxed out my benefits?
A financial advisor will go over the out of pocket cost with you. They will proved information on loan agency's you can work with or if you are denied by the loan you can be eligible for our in-house payment plan option.
Are medications included in my coverage?
As a courtesy to all new patients, we check your insurance and give you a call back to review your policy details prior to you even coming in. So, you'll know whether medications are covered before you even begin treatment. While our Insurance and Billing department handles prior authorizations and appeals for procedures, our nursing staff handles medication authorizations and coordinates with specialty and discount pharmacies. These pharmacies each have their own programs to help patients with limited pharmacy plans to help afford the medications they need. It is rare that a patient cannot proceed with treatment due to costly medications. Questions about medication coverage should be directed to our nursing staff.
We do all the footwork for you. When you call to make your first appointment, we will ask for your insurance policy details so that we can contact special provider representatives at your insurance company who will discuss the details of your particular policy with us. Before you even come in for your first visit you will receive a courtesy phone call from us to review what your coverage is and what your charges might be. If at any time you struggle to afford treatment, our Financial Coordinator will review a payment plan or financing options that might help limit your out of pocket expenses. We know that you might not become pregnant after just one treatment cycle. So, we do everything we can to help you afford as many treatment cycles as it takes. And, if you get pregnant right away, all the better!
My plan does not have infertility benefits. What now?
Even patients without inferitlity coverage may have some diagnostic procedures covered. It depends on your specific medical condition and the guidelines set forth by your insurance company, which we strictly follow.
Each insurance company has special representatives for phsycian offices. If our representative confirms you have no coverage at all, you will be able to meet with our Financial Coordinator to discuss current discounts, payment plans and fertility financing options exclusive to our practice.
No one should miss out on their dream of becoming a parent due to finances.
Are you a Blue Distinction® Center?
Allen Morgan, MD is proud to have received a Blue Distinction® Center designation in the area of in vitro fertilization fertility care. The Blue Distinction Center designations are awarded by Blue Cross and Blue Shield companies for delivering quality specialty care safely and effectively. [link to press release, if issued] Learn more: http://bcbs.com/bluedistinction